Life is unpredictable and can sometimes present sudden, unfortunate circumstances. You might fall ill, develop a disability and find yourself unable to work because of such illness or disability. In such situations, being unable to claim disability insurance can lead to incredible hardship. This is why understanding and claiming disability benefits, such as Social Security Disability (SSDI), is crucial for many.
If you are considering SSDI, check to see if you qualify before filing a claim.
Criteria for qualification
The government has strict criteria for deciding who receives SSDI benefits. In general, they extend the benefits to individuals who meet each of the following qualifications:
- Have worked in jobs covered by Social Security
- Suffer a medical condition that meets Social Security’s strict definition of disability
- Are unable to return because of a severe medical condition that has lasted, or is expected to last, for at least a year
- Have worked for a certain period and paid sufficient Social Security taxes
These benefits continue until you can return to work. It is advisable to apply as soon as your disability begins to maximize the benefits you can receive.
How long do you need to work to qualify?
The length of time you need to have worked to qualify for SSDI depends on your age at the onset of the disability. For instance, you need to have worked for at least 1.5 years if you became disabled before you were 28 years old. This table provides a more detailed breakdown of the required work years based on various age groups.
How to apply?
You can apply for SSDI online or by calling the Social Security toll-free number. If encounter difficulties while filing your claim, you may consider seeking legal counsel to guide you in filing your Social Security disability claims.